Gratuity Kya Hai Aur Kitni Milegi?

Gratuity ek aisi rakam hai jo company apne employee ko lambe samay tak kaam karne ke badle deti hai — aam taur par jab wo naukri chhodta hai, retire hota hai, ya kisi aur wajah se company se alag hota hai. Ye ek tarah ka "shukriya" bonus hai jo kanoon (Payment of Gratuity Act) ke tehat milta hai. Is guide me hum samjhenge ki gratuity kis-kis ko milti hai, kaise banti hai, aur neeche calculator se aap apni anumanit gratuity nikaal sakte hain.

Gratuity kis-kis ko milti hai?

Gratuity ka haq tab banta hai jab aap ek hi company me kam se kam 5 saal lagataar kaam kar lein. 5 saal poore hone ke baad hi ye milti hai (kuch mamlon me, jaise employee ki mrityu ya viklaangta par, 5 saal ki shart laagu nahi hoti).

Gratuity ka formula

Misaal: Agar aapki aakhri Basic+DA salary ₹40,000 hai aur aapne 10 saal kaam kiya, to gratuity = (15 × 40,000 × 10) ÷ 26 = lagbhag ₹2.3 lakh.

Saal ki ginti kaise hoti hai?

Agar aapne 10 saal 7 mahine kaam kiya, to 7 mahine 6 se zyada hone ke kaaran ise 11 saal maana jaata hai. Agar 6 mahine ya kam ho to us saal ko chhod diya jaata hai. Yani 6 mahine se upar = agla poora saal.

Gratuity par tax

Sarkari karmchariyon ki gratuity poori tax-free hoti hai. Private employees ke liye gratuity ₹20 lakh tak tax-free hai (formula ke hisaab se banne wali rakam tak). Isse zyada par tax lag sakta hai.

Calculator kaise use karein?

1. Apni aakhri Basic + DA salary daalein.
2. Company me kitne saal kaam kiya, wo daalein (5 se zyada).
3. Result me anumanit gratuity dikhegi.

FAQ

Saal ginne ka niyam — yahan log chook jaate hain

Gratuity ka hisaab poore saalon par lagta hai, par aakhri saal ke liye ek khaas niyam hai: agar aapne 6 mahine se zyada kaam kiya hai, to wo poora saal gina jaata hai.

• 7 saal 8 mahine → 8 saal gine jaayenge
• 7 saal 4 mahine → 7 saal hi rahenge

Formula ka matlab

Formula hai: (aakhri basic + DA) × 15 ÷ 26 × naukri ke saal. Yahan 26 ka matlab mahine ke kaam ke din (Sunday chhod kar) aur 15 ka matlab har saal ke liye aadhe mahine ki salary. Yaani har poore saal ke badle lagbhag 15 din ki tankhwah.

Dhyaan dein — hisaab basic + DA par hota hai, poori CTC par nahi. Isi liye jinki salary me basic ka hissa kam hai, unki gratuity bhi kam banti hai.

Kis-kis sthiti me milti hai

• Naukri chhodne par — 5 saal poore hone chahiye
• Retirement par — 5 saal ki shart lagu
• Company se nikale jaane par — 5 saal poore hon to milti hai
• Mrityu ya viklangata par — 5 saal ki shart lagu nahi. Nominee ya karmchari ko milti hai

Isi liye nomination form bharna zaroori hai. Bahut se log join karte waqt ye form khaali chhod dete hain, aur baad me parivaar ko kagzi kaam me pareshaani hoti hai.

Tax ka niyam

Sarkari karmchariyon ki gratuity poori tarah tax-free hoti hai. Private company ke karmchariyon ke liye ek tay limit tak tax nahi lagta, us se upar slab ke hisaab se lagta hai. Ye limit sarkar samay-samay par badhati rehti hai, aur ye limit poore jeevan ki kul gratuity par gini jaati hai — har naukri par alag se nahi. Badi rakam ho to CA se confirm karna behtar hai.

Na mile to kya karein

1. Pehle HR ko likhit me application dein aur uski copy apne paas rakhein
2. Aam taur par 30 din ke andar bhugtan hona chahiye
3. Na mile to apne ilaake ke Controlling Authority (Labour Commissioner) ke paas Form N me shikayat karein
4. Deri par company ko byaj bhi dena pad sakta hai

Ek aur baat — gratuity aur EPF alag-alag cheezein hain. Company kabhi-kabhi CTC me gratuity dikhati hai; wo aapko tabhi milegi jab 5 saal poore honge, warna nahi.